Once you’ve decided to buy your first home, there’s a good chance that you're planning to obtain a mortgage to finance the purchase. To most inexperienced buyers, the mortgage process can seem intimidating and complicated, but it doesn’t have to be.

I was born in the small Pacific Islands of Fiji. My family moved to Australia when I was young because of the political climate in Fiji at the time. Like most new immigrants, they had to start over again, finding new jobs and rebuilding while taking care of a young family of five. After years of working hard, they were able to purchase an investment property which helped secure their stability. This was my first exposure to using property as an investment tool.